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1) Are debts causing arguments at home or making your home life unhappy?
2) Have you reached or exceeded the maximum credit limits on your credit cards?
3) Do you have any money in savings?
4) Would you have enough money to cover 3 months of expenses if you had an emergency?
5) Do you only pay the minimum amounts due on your credit card bills?
6) Have you ever made unrealistic payment promises to creditors?
7) Have you asked to borrow money to pay your debts off?
8) Are creditors/collectors calling you regarding late payments?
9) Do you worry your employer/family/friends will find out about your debt problems?
10) Do you take out loans or buy on credit without consideration for the interest you will have to pay?
11) Have you ever made a plan to pay off your debts, only to break it because the money gets used on expenses?
12) Have you ever taken out cash advances or payday loans to make the payments on your credit cards?
13) What is your debt-to-income ratio? (Divide total monthly debt payments by your total take-home income.)
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"Your program is excellent and you have the greatest customer service. I'm so glad I found you guys! Thank you Consolidated Credit!"
John M - Hackensack, NJ
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Personal Finance News
Credit Cards: What You Need to Know
This basic 'Credit 101' publication explores the pros and cons of using credit, provides a guide and calculation formula to help consumers find out how much credit they can afford, and offers advice on what elements should be considered before applying for a credit card, how to build a positive credit history, and existing credit rights.
Medical Bills and Credit Cards
As healthcare costs spiral out of control, more and more Americans are using their credit cards to pay off their medical bills according to a report by Demos and the Access Project. Based on data from a national survey of low- and middle-income households with credit card debt, credit card users who pointed to medical expenses as a factor in their credit card balances had a significantly higher credit card debt than those who did not have medical expenses on their cards.
Teenagers and Credit Cards
Did you realize that credit card companies are setting their sites on the teenage population as their next great consumer group? Although most teenagers don't fully understand the repercussions of using a credit card, and the impact it can have on their future financial situations, it's not stopping credit card companies from luring them in. More teens are working full or part-time jobs and are spending their own money. Last year, youngsters shelled out $105 billion of their own money, compared with $94 billion in prior years, according to Teen Research's survey of 2,036 respondents in demographically selected areas.
Understanding Your Credit Card Statement
Understanding your monthly credit card statement can help determine whether your spending is in line with your budget. By reading and understanding the fine print (especially the fine print) of your statement, you can prevent overspending and become more educated on how your credit card program works. Use this book to learn the ins and outs of your credit card statement and better balance your budgeting and debt.
"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.
All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.
Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.
The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice. Click here to learn more.
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Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.
Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.
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Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.
U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.
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With this amount of debt, you'd pay around $xx.xx on a DMP.